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skeeks

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  1. Can they register a default though without a CCA?
  2. Hi Thank you for your replies. Just to clarify the alleged debt was sold by BC to another party earlier this year who then began pursuit. It is they who have confirmed what we already knew in writing that the CCA could not be produced. We have throughout this process (two and a half years) been in dispute over this with BC and requested the CCA from each and every one of the DCA's they've dispatched after us. We want to ensure that no default is recorded as this account has been in dispute but we don't know where to go from here and want to get this closed off once and fo
  3. Dear All Looking for some advice on this: Despite numerous requests and assertions that they had Barclaycard have failed to produce the original credit agreement. This finally came to a head when we advised the latest in a long line of DCAs that the CCA Barclaycard claimed to be correct wasn't and why. They then backed off and took the matter up with Barclaycard directly. I have just received a letter from them stating that they had "been advised that it is no longer available". They go on to say they have closed their file and will not be making any further contact.
  4. Hello I bought a pair of shoes from LK Bennett this time 3 years ago as part of a wedding outfit from their brand - they fell apart after just one wear and I brought them back to the shop they came from and they arranged for a new pair to be sent to me from their warehouse if I recall. The replacement pair however weren't cut properly to the extent that when I try to walk in them they simply won't stay on!! Needless to say I brought them straight back to the branch with which I'd been dealing explained the problem and asked for a refund - they flat out refused on the basis tha
  5. Hello Cerberusalert, incorporated the 'DCA threatening a doorstep call' element into the end of my 'bemused' letter but it seems to have had little effect... Ought I just re-do it as an independent letter in it's own right & send that along with a copy of my previous letter instead? Thanks for the help btw
  6. Hi well they seem to have completely ignored receiving the bemused letter and have instead churned out a letter a week later advising me of 'Home visit agent instructed' Ought I simply resend them a copy of the bemused letter by special delivery or what should my next move be? How likely are they to turn up on the doorstep? Any advice very much appreciated
  7. Hi Cerberusalert thanks for the speedy response - just the generic 'Bemused' letter do you mean & not interlace it with any further reason for the continuing dispute?
  8. Hi this has unfortunately re-surfaced - since being with Calder it's been passed to another DCA to whom a letter of CCA breach was sent, then onto a firm of Solicitors who didn't produce a CCA on request (returned the CCA fee within days via the DCA). That DCA has since continued in it's collection efforts as recently as last month despite having been warned that they were in breach last year. It's now been passed to Apex Credit Management who've now declared there intent to commence formal proceedings on the client's behalf. Just to clarify how should I proceed - do I CCA these too or
  9. Mea culpa! for the duplication - was getting over anxious I guess. Sent those replies off so fingers crossed. Thanks for all your help. S
  10. Hi I hope that wasn't breaking any forum rules... just wasn't sure that I'd posted the original thread in the most expedient place on the forum. Good to know you're looking at both though Let you know how I get on for any others in a similar position. S
  11. Thank you so the speedy reply!! I'll get that off in today's post.
  12. Hello I received an Irish Draft Civil Summons from a firm of solicitors in Ireland on behalf of Bank of Scotland Ireland (who had been retailing as Halifax Ireland & before that as Barclaycard in Ireland). I'd sent a CCA request to the DCA they'd previously engaged last year and all went quiet. What is my position with regard to this firm of solicitors - they did reach me by phone (which I don't know how they got my number a few days ago following up on their initial letter - & once I realised who they were didn't continue the conversation). Since that call this draft
  13. Hello I received an Irish Draft Civil Summons from a firm of solicitors in Ireland on behalf of Bank of Scotland Ireland (who had been retailing as Halifax Ireland & before that as Barclaycard in Ireland). I'd sent a CCA request to the DCA they'd previously engaged last year and all went quiet. What is my position with regard to this firm of solicitors - they did reach me by phone (which I don't know how they got my number a few days ago following up on their initial letter - & once I realised who they were didn't continue the conversation). Since that call this draft
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